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Topic

Banks that can be used after returning to Japan

Daily life
#1
  • Hideo117
  • mail
  • 2023/11/10 01:22

I am looking for a bank that I can use online even after I return to Japan.
・ You can Wire Transfer to Japan online.
・ You can register your Japanese mobile number as the mobile number to receive a code for identity verification by text message. You can also choose to have the code sent to your email address.

For now, these two things are OK, but the latter is not OK for my Bank of America, and the former is not OK for Capital One.
If you know of any bank that can do these two things, I would appreciate it if you could let me know. Best regards.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#10
  • Hideo117
  • 2023/11/11 (Sat) 17:15
  • Report

When you send money to Japan with Wise, do you transfer the money from your bank account in the US to Wise via Wire Transfer ？ or does Wise debit the money from your bank account ？ If the former, I think you need your cell phone for identification when you Wire Transfer. I think you will need your cell phone for identification when you do a Wire Transfer. ..... Thank you very much for your time.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#12

I have been using Citibank for many years. When I lived in Japan, I registered my U.S. contact information (mailing address), but practically everything was done online. I chose the automated voice service. I had to get a US number from a site called sonetel.com （ and spend a few dollars ／ a month ） to forward voice calls from this number to a landline in Japan. I was able to forward voice calls over the Internet without any problem. By clearing 2-step verification in this way, I was able to trade online with Citibank/Fidelity Investment （ including International Wire ）.
In addition, since the bank's dollar-yen conversion fee is ridiculously high when transferring money from the US to Japan in yen, I opened a dollar deposit account in Japan （ at Mitsubishi UFJ Bank ） and transferred money from the US to that dollar account in dollars. In that case, the dollar-Yen exchange is at the dollar account conversion rate, so there is a small fee. The commission for this method is about the same as when I used Wise, or maybe even less.
In my personal opinion, Citibank and Fidelity Investment seem to be friendly to overseas residents. Both institutions registered their official address in Japan and gave their Mailing Address in the US.
That is all for your reference.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#13

One more point I just remembered, if you have a US cell phone in Japan, you can use "Wifi Calling" to receive SMS messages sent to US numbers without having to use overseas roaming. I use Spectrum Mobile and Tello, both of which support Wifi Calling. When I go to Japan, if I am in Airplane Mode and in a Wifi environment, I can receive SMS messages sent in the US on that phone.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#14
  • Hideo117
  • 2023/11/12 (Sun) 14:25
  • Report

Thank you very much. That was very helpful, maybe Citibank is more friendly to expatriates, BOA refused to change to an overseas address. I heard that there are services such as Nextplus that allow you to get a US phone number and receive SMS, but I read somewhere that BOA checks the number when you register and refuses to allow you to register for services that can be easily signed up from abroad. I'll try it, but I don't know if it's possible to get a phone number from sonetel. I'll give it a try, but I think sonetel.com will accept Citibank, but BOA may reject it. I heard that if you want to have an American cell phone abroad, google fi is a good choice.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#15

The phone number you get from sonetel.com is a regular US number, so it will not be checked by Citibank. In any case, if you are currently in the U.S., you may want to get them set up now, as it takes at least 1 ～ 2 weeks after updating your information for the 2-step verification phone number to take effect.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

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